# Working Capital Financing for Fresh Produce

**Financing for Fast-Moving Agricultural Supply Chains.**

Fresh produce businesses operate within short product lifecycles while managing grower payments, processing, packaging, transportation, and customer collections.

We provide working capital financing solutions designed around qualifying produce distribution operations and commercial receivables.

## Financing That Supports the Produce Cycle

Fresh produce businesses often pay growers, packing facilities, transportation providers, and other suppliers before receiving payment from buyers.

Although products move quickly through the supply chain, customer payment terms can extend beyond the physical delivery cycle, creating additional working capital requirements.

Product quality, temperature control, delivery documentation, and customer adjustments may also influence the value of outstanding receivables.

We evaluate financing opportunities based on the company's commercial sales, operating performance, collection cycle, and supporting transaction documentation.

## Supporting Fresh Produce Operations

- **Grower & Supplier Payments.** Support qualifying working capital needs associated with purchasing and preparing produce for sale.
- **Packaging & Distribution.** Finance operating requirements across packing, storage, transportation, and commercial delivery.
- **Buyer Receivables.** Access capital against eligible commercial invoices while awaiting customer collections.

## Financing Options for Produce Businesses

- [Receivables Financing](https://www.gobacapital.com/solutions/receivables-financing/): Working capital supported by eligible invoices following delivery and customer acceptance.
- [Cash Flow Loans](https://www.gobacapital.com/solutions/cash-flow-loans/): Financing for established businesses with qualifying operating performance and identifiable repayment capacity.

## Understanding Perishable Products & Collections

Fresh produce financing requires attention to product condition, delivery records, customer adjustments, and payment arrangements.

Transactions involving qualifying produce may also be affected by rights under the Perishable Agricultural Commodities Act (PACA), making the underlying legal and commercial structure particularly important.

We consider these factors when evaluating appropriate financing arrangements.

## Keep Your Produce Business Moving.

Explore financing solutions designed around your operating cycle and commercial sales.